KR100603621B1 - Financing method based on electronic commercial transaction - Google Patents

Abstract

The commodity seller can use the deposits raised on the basis of the credit for the company's operating funds, and the consumer can secure a funding investment suitable for his or her ability, and at the same time, the e-commerce-based funds can receive the profits generated from the e-commerce. An operating method is disclosed. Such an e-commerce-based fund management method includes registering information on deposits linked to an expected purchase amount of goods for a predetermined period of time, which the consumer deposits with a fund management institution, in a goods seller's database; Purchasing the goods by the consumer for a predetermined period of time through the goods management internet management system; Registering information on a purchase history of a consumer in the database; And calculating a profit amount corresponding to the purchase of the item based on the smaller of the actual purchase amount of the article purchased by the consumer and the expected purchase amount of the article, and the difference between the actual purchase amount of the article and the expected purchase amount of the article, A distribution calculation step of calculating contributions proportional to the difference.

ECommerce, Credit, Funds, Distribution, Deposits, Profit Sharing, Internet

Description

Financing method based on electronic commercial transaction}             

1 is a block diagram of an online system for implementing a method for managing funds based on electronic commerce according to an embodiment of the present invention.

2 and 3 are a block diagram and a flowchart for explaining a method for managing funds based on electronic commerce according to an embodiment of the present invention, respectively.

4 is a view showing the relationship between the expected purchase amount and the deposit amount of the article to be applied to the method for managing funds based on e-commerce according to an embodiment of the present invention.

5 is a view showing the relationship between the cumulative product purchase amount and the discount rate applied to the method for managing funds based on electronic commerce according to an embodiment of the present invention.

6 is a flowchart of a profit distribution process applied to a method for managing funds based on electronic commerce according to an embodiment of the present invention.

7 is a view showing in detail the profit distribution process applied to the method of money management based on e-commerce according to an embodiment of the present invention.

The present invention relates to a method of operating funds based on e-commerce, and more particularly, by repaying a pre-contributed contribution and profit distribution in proportion to the deposit deposited by the consumer and the purchase amount of the goods for a predetermined period, The deposits collected on this basis can be used as company's operating funds, and the consumer can secure a funding investment suitable for his / her ability, and at the same time, a method for operating a fund based on e-commerce that can receive the profits generated from the e-commerce. will be.

In general, the distribution of the goods is made by the seller of the goods at a predetermined price from the manufacturer of the goods, and then resold to the consumer at the price of the purchased goods plus the costs of distribution, storage, and sales plus sales profits. . The sale of these items has traditionally been mainly in retail stores such as dealerships, stores, discount stores, department stores, etc. The sellers issue coupons corresponding to a certain percentage of the sales of the goods, or have a constant discount rate for ongoing or high volume customers. Efforts will be made to maintain a consistent transaction between the consumer and the seller, for example by selling the product. However, this traditional sales method requires different discount rates according to the profits generated by each product, and since the consumer's contribution to the sale of the product cannot be accurately calculated, the preferential policy such as the application of the discount rate to each consumer is accurate. It is not scientific and, therefore, does not induce a definite driver for sustaining trade relationships. In addition, the commodity seller finances the company's operation through loans from banks, issuance of stocks and / or bonds, etc., in order to conduct corporate activities such as the business of selling goods. In addition to being limited in some situations, there are disadvantages in that it cannot provide a stable and reliable fund investor with the profits generated from the operation of a company.

Meanwhile, due to the recent rapid development of the Internet, electronic commerce through the Internet is being activated. In addition to the advantages of convenience of purchase and sale and reduction of distribution cost, e-commerce through the Internet can accurately calculate the preferences and contributions of buyers through the database of membership registration and sales records. By doing so, there is an advantage to maintain a relatively persistent purchasing relationship. However, such excellent member preferential policy or simply discounting a certain percentage of the sales amount does not guarantee the profits of consumers continuously, and it is difficult to maintain the relationship between the seller and the consumers. .

Accordingly, an object of the present invention is to provide an electronic commerce-based fund management method in which a commodity seller can finance the operation of a company based on credit, and a consumer can secure a fund investment destination suitable for his / her ability.

Another object of the present invention is to provide an electronic commerce-based fund management method by distributing appropriate profits to the buyer of the goods, so that a continuous trading relationship can be established between the buyer and the seller.

In order to achieve the above object, the present invention comprises the steps of registering the information on the deposits linked to the expected purchase amount of the goods for a predetermined period, the consumer deposited with the fund management institution in the goods seller's database; Purchasing the goods by the consumer for a predetermined period of time through the goods management internet management system; Registering information on a purchase history of a consumer in the database; And calculating a profit amount corresponding to the purchase of the item based on the smaller of the actual purchase amount of the article purchased by the consumer and the expected purchase amount of the article, and the difference between the actual purchase amount of the article and the expected purchase amount of the article, Provides a method for managing funds based on e-commerce, comprising a step of calculating a distribution to calculate contributions proportional to the difference. Here, the deposit is used as the operating funds of the goods seller, the fund management institution is preferably a bank or securities company.

Hereinafter, the present invention will be described in more detail with reference to the accompanying drawings.

1 is a block diagram of an online system for implementing a method for managing funds based on electronic commerce according to an embodiment of the present invention. The online system shown in FIG. 1 may be a general-purpose Internet system, and includes a consumer terminal 10, an internet management system 20 of a goods seller, a goods seller terminal 30, and an internet network 40. And, if necessary, it may include a separate database 50, mail server 60 and the like. The consumer terminal 10, the Internet management system 20, and the seller terminal 30 are configured to be connected online through various communication networks, preferably PC communication or the Internet network 40, to exchange information with each other in real time. .

The Internet management system 20 controls the overall flow of the system while providing the homepage of the goods seller, and calculates the management of the consumer, that is, the customer or member, the sale of the goods, the payment of the goods, the goods sale profit. It includes an application program and a web server, and may be connected to the database 50 for storing records such as member information, goods and deposit information, goods sales records, profit information. The consumer terminal 10 is connected to the Internet management system 20 through the Internet network 40, the member registration application, the purchase activity of the goods on the homepage provided by the goods seller, is provided through the goods seller terminal 30 It is used to acquire various information such as management status and product sales status. The merchandise seller terminal 40 is for providing a consumer with a homepage update and various information on the Internet management system 20. In addition, the mail server 60 is to provide to the consumer in real time the management information, such as the purchase status of the goods, the contribution of the consumer, the total sales of the goods and various information provided by the goods seller.

Next, in such an online system, a method of implementing a method for managing funds based on electronic commerce according to the present invention will be described. 2 and 3 are a block diagram and a flowchart for explaining a method for managing funds based on electronic commerce according to an embodiment of the present invention, respectively.

As shown in Figs. 2 and 3, first, the consumer 70 deposits a deposit with the fund management institution 90, which is linked to the expected purchase amount of the article for a predetermined period, and the seller of the article 80 receives information about the deposit. Is registered in the database 50 (S110). In this case, the fund management institution 90 provides the deposit seller 80 with the deposit received from the consumer 70 in the form of loans, investments, transfers, etc., so that the seller 80 can easily procure the company operation funds. have. The deposit is an amount that is linked to the expected purchase amount of the article that the consumer 70 can purchase for a predetermined time period, for example, for one year, and is determined by the article seller 80. For example, as illustrated in FIG. 4, when the estimated purchase amount of the product for one year is 5 million won, the deposit may be 10 million won, and when the estimated purchase amount of the product is 10 million won, the deposit may be 20 million won. This deposit is set to be proportional to the expected purchase amount of the article, since it becomes a standard of profit distribution, together with the contribution by the purchase of the article later.

After the information on the deposit is registered in the database 50, the consumer 70 accesses the Internet management system 20 as shown in FIG. 1 to purchase the goods provided by the goods seller 80 ( S110). The application program of the Internet management system 20 registers and manages the information on the purchase history, such as the item details and the purchase amount, which are purchased by the consumer 70 during the contract period, for example, in the database 50 (S120). ). In this case, a predetermined discount rate may be applied according to the cumulative goods purchase amount, or a predetermined amount may be deducted from the goods price according to the cumulative goods purchase amount. For example, as shown in Figure 5, if the cumulative goods purchase amount is more than 1 million won, 3% discount for future purchases, if the cumulative goods purchase amount is more than 2 million won, 5% discount for future purchases, the cumulative goods purchase amount is more than 5 million won Afterwards, a discount rate such as a 10% discount may be applied to the purchase amount later.

When the contract period initially set by the consumer has elapsed, the goods seller 80 may determine the amount of profit corresponding to the purchase of the goods, that is, the refund amount, according to the contract ratio, based on the smaller of the actual purchase amount of the goods and the expected purchase amount of the goods. The difference is returned to the consumer 70, and a contribution proportional to the difference is paid to the difference between the purchase amount of the article and the expected purchase amount of the article (S130). The profit distribution process will be described in detail with reference to FIG. 6. First, it is determined whether the actual purchase amount A of the article is larger than the expected purchase amount B of the article (A≥B) (S300). At this time, if the actual purchase amount (A) of the article is larger than the expected purchase amount (B) of the article, the profit share is refunded according to the contract ratio (profit share ratio) X defined for the estimated purchase amount (B) of the article (S310), ( The actual purchase amount (A) of the article-the expected purchase amount (B) of the article) is paid for the over-purchase contribution according to the predetermined over-purchase compensation ratio Y (S320). On the contrary, if the actual purchase amount (A) of the article is smaller than the expected purchase amount (B) of the article, the profit share is refunded according to the contract ratio (profit share ratio) X defined for the actual purchase amount (A) of the article (S330), For the (expected purchase amount (B) of the article-the actual purchase amount (A) of the article), a deposit contribution is paid according to a predetermined deposit compensation ratio Z (S340). Such profit share ratio X, deposit reward ratio Z and overpurchase compensation ratio Y may also vary depending on the initial commitment, market interest rates, the amount of the deposit, the total sales of the article and / or the purchase of the article by the buyer. In addition, it is preferable that the profit share ratio X is larger than the deposit compensation ratio Z, and the deposit compensation ratio Z is larger than the overpurchase compensation ratio Y so that the profit reduction by the deposit is larger.

For example, as illustrated in FIG. 7, when the estimated purchase amount of the article is 10 million won, the deposit amount is 10 million won, and the actual purchase amount of the item is 8 million won, the contract rate initially defined for 8 million won (profit distribution ratio) ) For example, if the profit share ratio is 10%, the amount of money is refunded to the consumer as a profit share, and for the two million won corresponding to the amount that is not purchased, a predetermined deposit compensation rate, for example, If the deposit reward rate is 5%, 100,000 won will be paid as a deposit contribution. Therefore, in this case, the buyer of the goods will receive a refund of 900,000 won after the contract period ends. If the estimated purchase amount of the item is 10 million won and the actual purchase amount is 13 million won, the profit distribution ratio initially set for 10 million won, for example, if the profit distribution ratio is 10%, profits 1 million won to the consumer. Refund the amount of the distribution and pay the remaining excess purchase amount of 3 million won, if the predetermined excess purchase compensation ratio, for example, the excess purchase compensation ratio is 3%, will be paid as the excess purchase contribution of 90,000 won. Therefore, in this case, the buyer of the goods will receive a refund of 1.09 million won after the end of the contract period.

As such, when the profit distribution during the contract period is completed, as shown in FIGS. 2 and 3, the deposit may be returned to the consumer 70 (S140) and the transaction relationship may be terminated. At this time, if there is no separate intention from the consumer 70, the deposit may not be returned, and the contract may be extended in such a manner as to maintain the contents of the previous contract, such as a contract period and a deposit. In such a method of managing funds based on e-commerce, the deposit contribution is provided to the consumer 70 through the fund management institution 90 which received the deposit, and the profit distribution and the excess purchase contribution according to the purchase of the goods are sold to the goods seller (80). It is desirable to provide directly to the consumer 70, but all of the deposit contributions, profit distribution and excess purchase contributions are paid to the consumer 70 through the fund management institution 90, or the goods seller 80 directly pays the consumer ( 70 may be paid. In the method of managing funds based on the e-commerce according to the present invention, the fund management institution 90 is a guarantee institution that can give the customer 70 confidence in the operation and return of the deposit due to excellent credit, banks, securities It may be a financial institution such as a company, an insurance company, or a large company.If the seller 80 has credit to give confidence in the operation and return of the deposit, the seller of the goods 80 operates the funds. The role of the organ 90 may also be performed at the same time. If the merchandise seller 80 and the fund management institution 90 are different from each other, the merchandise seller 80 pays a predetermined fee according to a deposit or a deposit contribution in exchange for the credit grant. ) Can be provided.

In the method of managing funds based on the e-commerce according to the present invention, the goods seller 80 provides the regulations and information on membership, deposits, etc. to the consumer 70 through the Internet management system 20 as shown in FIG. The customer 70 may apply for membership registration with reference to the information disclosed in the Internet management system 20. Such membership registration application is preferably made through the consumer terminal 10 and the Internet network 40, but items such as name, resident registration number, address, etc. of the consumer can be identified, telephone number, e-mail address, address of residence, etc. It can also be carried out by sending the item for, and the intention to join the member to the goods seller 80 through a conventional fax, telephone, or the like. In addition, the product seller 80 may receive a membership registration application through various methods such as the Internet network 40 and a fax machine, and then may determine whether to permit the subscription by examining the eligibility of the consumer 70. In this case, it can be notified to the consumer through the mail server 60, so that the consumer 70 can deposit the deposit to the money management institution (90).

Items that can be sold in the electronic commerce based money management method according to the present invention include various electronic products such as TVs, audio, video players, DVD players, computers, cosmetics, clothing, decorations, foodstuffs, various household goods, books, automobiles, etc. Real estate and golf membership, medical treatment, condo membership, health membership, tourism ticket, aviation / train, as well as real estate such as jewelry, art, antiques, coma set, machinery, tools and sports goods. It is also possible to handle various securities such as transportation tickets for buses, passenger ships, entrance tickets for theaters, theater and sports, and hotel tickets.

As described above, according to the method for managing funds based on the e-commerce according to the present invention, when a certain amount of money is deposited and a profit amount and a contribution are refunded according to the amount of goods purchased, the consumer purchases his own goods. Directly reflected in profits, the line of purchase of goods is unified, thus enabling consumers and sellers to maintain a lasting relationship. In addition, by depositing an amount of money appropriate to the ability, such as the size of the economy, as a deposit and obtaining a predetermined profit therefrom, the consumer can obtain a fund investment destination that is suitable for his ability, thereby securing stability of life. In addition, as described above, the merchandise seller has the advantage of not only establishing a continuous business relationship with the consumer, but also smoothly recruiting corporate operating funds by depositing a predetermined deposit in advance based on credit.

Claims (5)

Registering information in the seller's database with the deposit information linked to the expected purchase amount of the goods for a predetermined period of time deposited by the consumer to the fund management institution; Purchasing the goods by the consumer for a predetermined period of time through the goods management internet management system; Registering information on a purchase history of a consumer in the database; And The amount of profit corresponding to the purchase of the article is calculated based on the smaller of the actual purchase amount of the article purchased by the consumer and the expected purchase amount of the article, and the difference is the difference between the actual purchase amount of the article and the expected purchase amount of the article. A distribution calculation step of calculating contributions proportional to The distribution calculation step may include determining whether an actual purchase amount (A) of an article is larger than an expected purchase amount (B) of the article (A≥B); If the actual purchase amount (A) of the article is larger than the expected purchase amount (B) of the article, the profit share is calculated according to the predetermined profit share ratio X with respect to the expected purchase amount (B) of the article, and (the actual purchase amount (A) of the article Calculating an overpurchase contribution according to a predetermined overpurchase compensation ratio Y for the expected purchase amount (B) of the article; And if the actual purchase amount (A) of the article is smaller than the expected purchase amount (B) of the article, the profit share is calculated according to the predetermined profit share ratio X with respect to the actual purchase amount (A) of the article, and (the estimated purchase amount of the article ( B)-the actual purchase amount (A) of the article is to calculate the deposit contribution in accordance with a predetermined deposit compensation ratio Z, Wherein the profit sharing ratio (X) is greater than the deposit reward ratio (Z), and the deposit reward ratio (Z) is greater than the overpurchase compensation ratio (Y). The method of claim 1, wherein the deposit is used as an operating fund for the merchandise seller. The method of claim 1, wherein the fund management institution is selected from the group consisting of banks, securities companies, and insurance companies. The method of claim 1, further comprising calculating a predetermined discount rate that is provided when purchasing the item, according to the cumulative purchase amount of the item that the consumer has purchased the item for a predetermined period of time. delete

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